| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.1% | +1.3% | +11.8 pts |
| Share growth (YoY) | +11.3% | +0.7% | +10.7 pts |
| Loan growth (YoY) | +418.8% | -2.4% | +421.2 pts |
| ROA | -9.72% | 0.60% | -10.3 pts |
| ROE | -48.2% | 4.1% | -52.3 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $318K | $195K | $69K | $64K | $-8K | -9.72% | 1.84% | 0.00% | 143 |
| Q4 2025 | $368K | $167K | $26K | $60K | $-63K | -17.24% | 0.57% | 0.00% | 133 |
| Q3 2025 | $324K | $179K | $29K | $58K | $-47K | -19.20% | 1.29% | 0.00% | 148 |
| Q2 2025 | $350K | $183K | $13K | $167K | $72K | 41.21% | 1.33% | 0.00% | 145 |
| Q1 2025 | $282K | $175K | $13K | $106K | $44K | 62.77% | 1.72% | 0.00% | 139 |
| Q4 2024 | $302K | $181K | $17K | $119K | $60K | 19.96% | 1.00% | 0.00% | 137 |
| Q3 2024 | $288K | $179K | $21K | $109K | $-321 | -0.15% | 0.79% | 0.00% | 148 |
| Q2 2024 | $299K | $182K | $16K | $116K | $-7 | -0.00% | 0.75% | 0.00% | 145 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -9.72% | 0.60% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -48.2% | 4.1% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.84% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $31K · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 487.7% | 81.5% | 100th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
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